WO1996018161A1 - Systeme et procede de traitement de transaction, ainsi que terminal et carte de circuit integre utilises pour ceux-ci - Google Patents

Systeme et procede de traitement de transaction, ainsi que terminal et carte de circuit integre utilises pour ceux-ci Download PDF

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Publication number
WO1996018161A1
WO1996018161A1 PCT/JP1995/002509 JP9502509W WO9618161A1 WO 1996018161 A1 WO1996018161 A1 WO 1996018161A1 JP 9502509 W JP9502509 W JP 9502509W WO 9618161 A1 WO9618161 A1 WO 9618161A1
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WO
WIPO (PCT)
Prior art keywords
data
recording medium
data block
transaction
card
Prior art date
Application number
PCT/JP1995/002509
Other languages
English (en)
Japanese (ja)
Inventor
Sosaburo Adachi
Kiyoshi Masuda
Yoshiyasu Miyamura
Noritoshi Demizu
Original Assignee
Omron Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Omron Corporation filed Critical Omron Corporation
Priority to AU41234/96A priority Critical patent/AU4123496A/en
Priority to JP51748696A priority patent/JP3328937B2/ja
Publication of WO1996018161A1 publication Critical patent/WO1996018161A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Definitions

  • This invention relates to an apparatus for issuing a recording medium such as an Ic card in which electronic money is stored, an apparatus capable of performing transactions using the recording medium in which electronic money is stored, and A transaction processing system constituted by these devices, a transaction processing method executed by using these devices, and an IC as the recording medium described above.
  • a recording medium such as an Ic card in which electronic money is stored
  • an apparatus capable of performing transactions using the recording medium in which electronic money is stored and A transaction processing system constituted by these devices, a transaction processing method executed by using these devices, and an IC as the recording medium described above.
  • a card provided with a monetary value includes a shopping card (a monetary card) issued by a large store such as a debut and usable at the store.
  • data indicating the amount of money is recorded on the card.
  • the amount obtained by subtracting the amount of use from the remaining amount of the card is automatically Will be recorded on the card as the new balance.
  • the balance recorded on the card is rewritten.
  • the technical protection is considered for the improper rewriting of the remaining amount of the card, the rewriting method of the value data should be changed. To the extent possible, concerns about unauthorized rewriting cannot be dispelled. Disclosure of the invention
  • the invention is a high-security transaction processing that prevents the abuse such as rewriting of data overnight, which indicates the value in a recording medium such as a card. It provides a system and method.
  • the invention also provides terminal equipment and IC cards for use in such transaction processing systems and methods.
  • the transaction processing system generates a plurality of data blocks, each representing a unit of money, each of which is a separate block.
  • Electronic money issuing means for recording the data blocks of the present invention on a portable recording medium in association with an identification code for identifying the data blocks;
  • the D-stick is read out from the above-mentioned recording medium, and is stored in association with the above-mentioned identification code, and the read-out data is read out.
  • the transaction processing method is a method for dealing with electronic money in a means of issuing money, each of which represents a unit amount of money. And generating the data blocks, and recording these data blocks on a portable recording medium in association with the identification codes that characterize the data blocks.
  • the data block corresponding to the transaction amount may be read out from the above-mentioned recording medium power and stored in association with the above identification code. Then, the read data block is erased in the above-mentioned recording medium.
  • a unit amount of electronic money is represented by a data block, and this data'block strength is recorded on a recording medium. It is.
  • Each of the multiple data blocks is composed of separate data. Payment of the transaction amount is realized by moving the data block corresponding to the transaction amount from the recording medium to the transaction means. It is.
  • the monetary value is represented by a data block, and payment is realized by the movement of the data block.
  • the rewriting value data is not illegal, and high security is realized.
  • the data block and the identification code associated with the data block are transmitted from the transaction means to the issuing means.
  • the issuance means stores data on the data block recorded on the recording medium.
  • the issuance means described above is a data block relating to the data stored in the data block transmitted from the transaction means.
  • the data and blocks transmitted from the above-mentioned trading means are genuine, and the data and blocks transmitted from the above-mentioned transaction means are compared with each other in a manner corresponding to the above codes. , Power, and judgment.
  • the data block recorded on the recording medium by the issuing means is moved to the trading means by the transaction.
  • the data block returns from the transaction means to the issuing means.
  • the returned data and the block are judged to be genuine or not.
  • the transaction is completed (the payment is made) only after the data block is determined to be genuine. Therefore, the data block recorded on the recording medium is stored on the recording medium, in the transaction means, or on the communication network. Even if it is replaced by a fake one, it will be checked in the issuing means. As a result, a higher security is secured.
  • the issuance means generates a pseudo-random number sequence using a pseudo-random number function, and generates the pseudo-random number sequence without a predetermined digit length. Divided to represent the unit amount A data block is created, and these data blocks are recorded on the portable recording medium in the order of positions in the pseudo-random number sequence.
  • the above transaction means reads out the data block corresponding to the transaction amount from the above-mentioned recording medium power, and outputs the read-out data block.
  • the data block is stored in association with the data representing the position, and the read data block is erased on the above-mentioned recording medium.
  • the transaction means also transmits the stored data block and the associated location data to the issuing means.
  • the issuance means memorizes the pseudo-random number function and the digit position from which the data recorded on the recording medium is generated. Then, the data block transmitted from the above-mentioned transaction means is compared with the corresponding pseudo-random number sequence, and the data is transmitted from the above-mentioned transaction means. Determine whether the block is authentic.
  • a data block is generated by dividing a pseudo-random number sequence. It is sufficient for the issuing means to store the information specifying the pseudo-random number function for creating the pseudo-random number sequence, and to determine the required memory capacity. It can be made smaller.
  • the information that specifies the pseudo-random number function does not go outside from the issuing means and is kept confidentially, so the security is high in this respect as well. It can be said that it has a lot of retention.
  • the transaction processing system according to the present invention which has been made more concrete, comprises a host computer, an electronic money issuing device, and a transaction device. It is composed of
  • the issuing means described above is realized by the host computer and the electronic money issuing device.
  • the above-mentioned transaction means is realized by the transaction device.
  • the host computer generates a pseudo-random number sequence by using a pseudo-random number function, and divides the generated pseudo-random number sequence into predetermined digits. Then, a data block representing the unit amount is generated and transmitted to the electronic money issuing device.
  • the electronic money issuing device described above converts the data blocks transmitted from the host computer into the pseudo-random number sequence in the pseudo-random number sequence. Record on a portable recording medium.
  • the above trading device reads out the data block corresponding to the transaction amount from the above-mentioned recording medium power, and reads the read out data block.
  • the position is stored in association with the data representing the position, and the read data block is erased on the recording medium.
  • the power that the data block moved during the transaction is genuine is determined by the host computer described above. It is nicked.
  • the above-mentioned transaction device stores the stored data block and the associated location data in the above host computer.
  • the above host / con The computer memorizes the pseudo-random function and the digit positions that are the source of generating the data block recorded on the recording medium, and stores the data.
  • the data block transmitted from the drawing device is compared with the pseudo-random number corresponding to the data block, and the data block transmitted from the above-mentioned drawing device is compared. Determine if the data block is genuine.
  • the host computer described above has a large enough number of data blocks to be able to record on multiple recording media.
  • the banknotes are generated at one time and sent to the electronic money issuing device.
  • the electronic money issuing device is configured to place all data blocks transmitted from the host computer evening in a pseudo-random number sequence. Remember the order in memory once.
  • the electronic money issuing device described above inserts the-part of the data block stored in the memory into the beginning of the--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
  • the host computer stores the pseudo-random function, the identification code of the recording medium, and the location on the recording medium in association with each other.
  • the above-mentioned transaction device has an identification code of the recording medium, the recording medium strength, and the data block output and the position of the data block. And to the host computer.
  • the self-host computer shows the data block transmitted from the above-mentioned transaction device, and shows the identification code and position of the recording medium. To a part of the pseudo-random sequence associated with the data
  • the host computer described above is used for the storage medium.
  • the data indicating the position on the recording medium where the data block is recorded together with the identification code is received from the electronic money issuing device. Then, the encrypted code is transmitted to the electronic money issuing device.
  • the upper self-money currency issuing device records the received encrypted yingo on the above-mentioned recording medium for 5 self-recording — 9-S) o
  • the transaction device reads the encrypted code from the recording medium and, together with the data and the block, rewrites the host and the host computer. To be transmitted.
  • the host computer is capable of recovering the encrypted code transmitted from the above-mentioned trading device by decoding the encrypted code transmitted from the above-mentioned trading device. Judge the authenticity of the transmitted data.
  • the block is encrypted, preferably at the host computer, and then re-hosted at the host computer. It remains encrypted until returning to the evening.
  • the above data block is encrypted by the above host computer, transmitted to the above-mentioned electronic money issuing device, and encrypted.
  • the data is recorded on the recording medium in the encrypted state, and is read out from the recording medium by the transaction device in an encrypted state and encrypted. In this state, the data is transmitted to the above host computer, and transmitted to the above host computer, where it is decoded by the above host computer.
  • the transaction processing system described above can handle multiple types of electronic money with a unit amount of money. That is, in the above host computer, a data block is generated using a pseudo-random number function that is different for each type of unit amount. It is done. In the above-mentioned electronic money issuing device, the code indicating the unit amount is related to the code of the unit amount, and the data of the unit amount is recorded on the recording medium. Recorded in the body.
  • a host * computer is provided for each issuer.
  • the recording medium is provided with a code representing the host computer and associated with the host computer. Generated overnight / block strength ⁇ recorded.
  • the above-mentioned recording medium stores the fractional amounts. .
  • This fractional amount is rewritable.
  • the fractional amount of the transaction amount is subtracted from the fractional amount of the recording medium, and the result of the subtraction is regarded as a new fractional amount of the recording medium.
  • the above-mentioned transaction equipment shall be the unit amount recorded on the above-mentioned recording medium. The data block is broken and the above subtraction is performed, and the remaining fractional amount is recorded on the recording medium.
  • the user can obtain the total amount of electronic money. Or the above transaction device, calculate the total amount of money represented by the data block recorded on the recording medium. It is desirable to have the function to be displayed.
  • the electronic money issuing device or the transaction device is recorded on the recording medium. Calculate and present the sum of the amount represented by the data block and the amount represented by the fractional amount data What to show.
  • the above electronic money issuing device is configured as follows.
  • the above electronic money issuing device is described in the above memory.
  • Some of the remembered data blocks are already stored in the data blocks in the order of their positions from the beginning. Is added to the above-mentioned recording medium on which the data block is recorded, and the position of the data block added together with the identification code of the recording medium on the recording medium. Is sent to the above host computer.
  • the electronic money issuing device or the transaction device described above stores a data block corresponding to the amount of money input on the recording medium. It is configured to be erased with. An amount of cash equivalent to the erased electronic money may be handed over to the user, may be released automatically from the equipment, or may be automatically released or used for land use. Will be transferred to the deposit account of the person.
  • the recording medium described above is an IC card in a preferred embodiment.
  • the data that represents the location of the data block is the data block of the memory in the IC card in a preferred embodiment. This is the address of the place where the information is stored.
  • the invention also provides a terminal device for issuing a recording medium storing electronic money.
  • the terminal device has a predetermined order of data blocks with a predetermined number of bytes of different data representing a unit of money in electronic money.
  • the data block corresponding to the amount of money thus read is read out from the above memory, and the read data block is read out in the above-mentioned fixed order in the recording medium. It has a means for issuing a record on a portable recording medium in association with the identification code.
  • the above-mentioned memory shall contain electronic units of multiple types of unit amount. Data blocks with different data evenings that represent banknotes are stored in a fixed order for each type of unit amount. Yes.
  • the issuance means shall record on the above-mentioned recording medium the amount of money required for each type of request, which is equivalent to the required amount of money.
  • the above memory is preferably a memory card.
  • the memory card storing the child currency can be removed from the terminal device and stored in another place, which reduces the cost. The integrity is increased.
  • the above terminal device receives a series of data blocks representing the electronic money transmitted from the host computer power and the above-mentioned terminal device. There is also a means to store in memory.
  • the terminal device relates to an arrangement of the data blocks recorded on the recording medium on the recording medium.
  • a means for transmitting the data to the host computer together with the identification code of the recording medium This allows the host computer to determine whether the data block returned in the evening is true or false. You will be able to do more in the evening.
  • the terminal device transmits the data relating to the arrangement of the data blocks to the host computer by the transmission means.
  • This invention also provides a terminal device that is useful for transactions using a recording medium that stores electronic money.
  • This terminal device represents a unit amount of electronic money that is recorded on a portable recording medium in a certain order in association with the identification code of the recording medium. For data blocks with a different number of bytes in the specified number of bytes, an equivalent data block is added to the transaction amount.
  • a transaction means for reading from the above recording medium in order and storing the information in the memory in association with the above-mentioned identification code in the above-mentioned fixed order. And means for erasing the data blocks read from the recording medium in the recording medium.
  • the above-mentioned transaction means may be one or more of the above-mentioned single or plural types corresponding to the transaction amount.
  • Data block of money amount Read the combination of marks from the recording medium and ⁇ d Ife in the above memory.
  • the above transaction means is equivalent to the transaction amount.
  • a data block combination of one or more types of unit blocks of data described above is read out from the recording medium, and the data block read out is read out.
  • the fractional data corresponding to the fractional amount of the transaction and the transaction amount is stored in the above memory, and the fractional amount recorded on the recording medium is also recorded. And record the new fractional amount obtained by subtracting the fractional amount of the above transaction amount on the recording medium.
  • the above transaction means will be used for the data of the unit amount.
  • the block is broken down to calculate a new fractional amount, and the new fractional amount is recorded on the recording medium, and the broken down data table is recorded. Record the lock and the new fraction in the above memory.
  • the terminal device described above includes a gold block represented by a data block recorded on the recording medium. There is also a display means for displaying the total amount and the transaction amount.
  • the terminal device is provided with a confirmation input means.
  • the above transaction means responds to the confirmation input from the confirmation input means and stores it in the above memory, and the erasure means erases the data block. Go away.
  • the transaction will be based on the confirmation of the user.
  • the terminal device stores the data stored in the memory described above and the data related to the arrangement on the recording medium.
  • a means for transmitting the recording medium to the host computer together with the identification code of the recording medium is further provided. As a result, the data block moved by the transaction is transmitted to the host computer, and the authenticity of the data block can be determined. .
  • the terminal device for the transaction has a recording medium issuing function.
  • a terminal device for a transaction using a recording medium also has a different number of predetermined bytes representing a unit amount of electronic money.
  • the data blocks with data are stored in a fixed order in memory, and the data blocks are equivalent to the requested amount of money.
  • the data blocks are read out from the memory as described above, and the read data blocks are stored in the recording medium in a certain order as described above. It has an issuing means for recording the information on the portable recording medium in association with the identification code.
  • This terminal device also receives a series of data blocks representing the electronic money transmitted from the host computer. There is a means to accumulate in the above memory.
  • the terminal device for emitting the recording medium described above and the terminal device for executing the transaction using the recording medium have the following functions. You want to have a
  • One of them is a function of displaying the amount of money in electronic money on a recording medium.
  • the above terminal device calculates and displays the total amount of money represented by the data block recorded on the above recording medium. There are means to do this. In addition to the data block representing electronic money on the above-mentioned recording medium, data representing fractional amounts less than the unit amount of electronic money is recorded. For those platforms, the above display means calculates the sum of the total amount of money and the fractional amount represented by the data block. indicate .
  • the second is the function of accumulating (adding) electronic money on a recording medium on which electronic money has already been accumulated.
  • the terminal device reads the data block corresponding to the requested amount of money from the above memory block, and reads the read data block. Data blocks in the order given above. In recorded it is not that record medium body that have e Bei the hand stage you add serial 0
  • the above-mentioned terminal device transmits the data relating to the arrangement of the data block added to the above-mentioned recording medium on the above-mentioned recording medium, and the data of the recording medium.
  • a means for transmitting the host computer together with the identification code is further provided.
  • the above terminal equipment is equipped with a means for receiving cash.
  • the above-mentioned additional recording means is to add a data block corresponding to the amount of money received by the cash receiving means to the above-mentioned recording medium. .
  • the above-mentioned terminal device is provided with a communication means for communicating with a host computer having a bank account of a user of the above-mentioned recording medium. ing .
  • This communication means increases the total amount of money expressed by the overnight block that has been added to the recording medium by the above-mentioned additional writing means.
  • the third function is to convert some or all of the electronic money stored in the recording medium into cash.
  • the terminal device is provided with a means for erasing the required amount of data on the recording medium corresponding to the requested amount of money. Is the data on the arrangement of the data blocks erased on the above-mentioned recording medium on the above-mentioned recording medium (and erased if necessary). Further, there is provided a means for transmitting the data block) together with the identification code of the recording medium to the host * computer. .
  • the host computer can know the cashed data block.
  • the terminal is equipped with a means for discharging cash.
  • This cash release means is equivalent to the amount of money represented by the data block erased by the erase means described above. Release.
  • the cashed amount may be automatically transferred to the user's deposit account.
  • the terminal device shall be equipped with a communication means for communicating with the host ⁇ computer having the bank account of the user of the above-mentioned recording medium.
  • This communication means shall provide the above-mentioned bank account for the total amount of money represented by the data block erased by the above-mentioned erasing means.
  • the recording medium is IC-powered.
  • the data on the arrangement on the recording medium is an address of a memory of the recording medium.
  • this invention provides an IC card for use in the above-described transaction processing system and terminal device.
  • the Ic card according to this invention is a data map with a different number of bytes of a specified number of bytes representing an electronic currency in unit amount.
  • the locks must be stored in a certain order and, when given a memory and an erasure order, the exclusive data of the data that should be erased.
  • a means is provided for performing a logical sum operation and writing the result of the operation to the storage location of the data to be deleted.
  • the Ic card according to this invention also has a different number of bytes of a predetermined number of bytes representing electronic money in unit amounts.
  • the memory is not stored, and when the instruction for estimating the amount of money is given, the de-zero is not zero.
  • Figure 1 shows an example of a pseudo-random number sequence.
  • Figures 2a to 2g show the concept of electronic money.
  • FIGS 3a to 3g show specific realizations of electronic money.
  • Figure 4 shows the overall structure of the transaction processing system.
  • Fig. 5 shows the concept of electronic money movement and genuine check.
  • FIG. 6 is a block diagram showing the electrical configuration of the host computer.
  • Fig. 7 is a block diagram showing the electrical configuration of the IC card issuing terminal device.
  • Figure 8 is a block diagram showing the electrical configuration of the IC card.
  • Figure 9 shows the file structure of the IC force.
  • Figure 10 shows the contents of file F9 of the IC card.
  • Figures 11a, 12a and 13a show the transformation of the data block in the file F10 of the IC card.
  • the lib, Figure 12b, and Figure 13b files are files that change as the data block changes. Shows the EFT address of F9.
  • Fig. 14 shows the IC card issuance data folder in the host computer.
  • FIGS. 15a to 15e show the contents of the file F12 of the IC card that stores fractional amount data.
  • FIG. 16 is a flow chart showing the overall operation of the IC card issuing terminal device.
  • FIG. 5 is a flow chart showing the operation of the electronic money accumulation mode.
  • Fig. 18 shows the format of a message sent from the host computer to the electronic money issuing device.
  • Fig. 19 is a flow chart showing the operation of the illumination system in Japan.
  • Fig. 2G is a flowchart showing the operation of the IC card issuance mode.
  • Fig. 21 is a flow chart showing the operation of the Solision mode.
  • FIG. 22 shows the format of a message transmitted from the IC card issuing terminal device to the host computer.
  • FIG. 23 is a flow chart showing the operation of the cashing mode.
  • Fig. 24 is a block diagram showing the electrical configuration of the transaction terminal equipment.
  • FIG. 25 shows the transaction processing at the transaction terminal equipment. It is a low chat.
  • Fig. 26 shows a display example of the IC card's money amount.
  • Figure 27 shows a display example of the IC card balance and the transaction amount.
  • Fig. 28 shows the contents of the memory card in the transaction terminal device.
  • FIG. 29 is a flow chart showing a process of transmitting data including electronic money from a transaction terminal device to a host computer. .
  • Figure 3Q shows the format of the message transmitted from the transaction terminal device to the host computer.
  • Figures 31a and 31b show the appearance of the P0S terminal.
  • Figure 32 shows the appearance of the ATM.
  • FIG. 33 is a block diagram showing the configuration of the ATM.
  • FIG. 34 is a flow chart showing the overall operation of the ATM.
  • FIG. 35 is a flow chart showing the appending process in the ATM.
  • FIG. 36 is a flow chart showing the cashing process in ATM. Best mode for carrying out the invention
  • Electronic money is embodied using data that represents part of a pseudo-random number sequence (infinite sequence).
  • a pseudo-random number sequence can be generated using a pseudo-random number function. The following can be emphasized as typical pseudorandom number functions.
  • a pseudo-random number sequence generated by a pseudo-random number function is shown in Fig. 1. This sequence is expressed in 1G-base notation, and the decimal point is omitted. The position (digit position) in the sequence of each numerical value that constitutes the pseudorandom number sequence is indicated by a sequential number, with 1 being the first.
  • a sequence of an appropriate digit length is excluded from the beginning of this pseudo-random sequence. ⁇ excludes the sequence up to the 20th digit position. The next position (position 21) of the removed sequence is called the initial value.
  • a partial sequence obtained by 77% of dividing the sequence by an equal length from the position of this initial value is called a block.
  • B is composed of a partial sequence of 6 digits in length. Yes.
  • Each of these subsequences is used to represent an electronic currency of unit amount.
  • the unit amount is basically the same as the current monetary unit in circulation, such as 1,000 yen or 5,000 yen (even $ 10 or $ 50). That is the amount of money.
  • the monetary unit currently in circulation and not related to the monetary unit is defined as the unit amount. You can do it.
  • electronic money of a unit amount is composed of information (data) that specifies a pseudorandom function, as shown in Figs. 2a to 2g. , A one-block subsequence extracted from a pseudo-random number sequence generated using the pseudo-random number function, and the pseudo-random number sequence of the partial sequence described above. (The position of the numerical value at the beginning of the numerical values that make up the subsequence) is expressed as a combination. Each of these represents the power ⁇ a unit amount (eg, 1,000 yen).
  • the pseudo-random number function f (X, k) is hidden in the host computer from the viewpoint of security.
  • the subsequences representing electronic money are used as data blocks in the element card in the IC card (Integrated Circuit). It is stored in.
  • the information specifying the pseudo-random number function f (X, k) is based on the IC card that stores the electronic money. Card identification code (referred to as 1C card number).
  • the pseudo-random function f (X, k) corresponding to the IC card Not from the IC card Not is uniquely defined. Can be determined at any time).
  • the position of the partial sequence is the element where the partial data is stored. * The address of the file (the EF address). Is represented by The electronic currency shown in Figs. 2a to 2g is a form of data as shown in Figs. 3a to 3g. I will be protest.
  • a two-digit number (8 bits) is stored in the storage location specified by one address in the elementary file. It is supposed to be stored. That is, the partial sequence 53 ebac shown in Fig. 2a is stored in three storage locations, addresses adl to ad3 (see Fig. 3a).
  • Such electronic money is generally represented by binary data, and the memory in the IC card and the memory in each terminal device described later. Or in a memory in a memory card, and electronically in a communication network. Depending on the type of recording medium and transmission medium, electronic money may be embodied magnetically, optically, or in other physical forms.
  • Fig. 4 shows various transactions using electronic money as circulation money (payment for purchases and sales of goods, settlement of goods, and provision of services).
  • Electronic money of cash. Etc. are shown to show the configuration of the whole system.
  • a data block representing electronic money is stored in an elementary file in the IC card.
  • Grassroots users carry their IC cards in lieu of cash, credit cards or checks, and use the electronic money in the IC cards. To conduct business.
  • the IC card company issues the IC card and settles the transaction using the IC card.
  • One or more IC card companies will be established. Specifically, it will be a powerful IC card company, such as a bank, other financial institution, or a credit card company. 1
  • the C card company has a host computer to manage the issuance and settlement of the IC card.
  • the host computer evening 10 is a group of multiple computers that are distributed in multiple places or areas and that are interconnected by communication lines. It can also be built in the evening.
  • One or more IC card issuing terminal devices 40 are provided for each IC card company.
  • the IC card that stores electronic money is issued from the IC card issuing terminal device 4, and the 1 C card is transmitted through the communication network 8.
  • IC card issuing terminal equipment 4 QA can be installed in various places.
  • a bank of a financial institution such as a bank, a branch of a credit card company, a departure, a supermarket, and other
  • the IC card issuing terminal devices 40 and 40A may also be installed in the home of the individual IC card user.
  • the person who installs and manages and operates the IC card issuing terminal equipment (including the legal entity) is hereinafter referred to as the 1C card issuing agent. I will do it.
  • the device is 6G.
  • the transaction terminal device 6G can also communicate with the host 3G evening 1G that manages the IC card through the communication network 8.
  • ICs that can communicate with host computers 10 of multiple IC power companies and that are managed by these host computers 10
  • a trading terminal device 60 A capable of handling the card can also be provided as required.
  • the transaction terminal device 60 is generally used to store data, supermarkets, retail stores, various service businesses, and other services. Installed in the store. In such stores, the transaction terminal device 60 may be used alone in order for the user to pay for it using an IC card. There are also platforms that can be used in a form that is connected to a POS (Po intof Sales) terminal such as an electronic ash register (Electronicash Register).
  • POS Po intof Sales
  • Electronic ash Register Electronicash Register
  • Non-knitting machines such as ATM (Automated Teller's Machine) and CD (Cash Dispenser), POS terminals, CAT (.Credit Authorization Terminal) ) Etc.
  • the existing trading terminal 50 has one or both of the functions of the IC card issuing terminal, the functions of the trading terminal described above, or both. It can also be done.
  • a terminal device having both the functions of the IC card issuing terminal device and the functions of the transaction terminal device can be realized.
  • IC card issuing terminal device and the functions of the transaction terminal device will be described in the simplest form, respectively.
  • IC card issuing terminal 40 and trading terminal The main reference will be made to the terminal device 60, and the reference to the other devices 60A, the transaction terminal 50, etc. will be limited to the minimum necessary.
  • the IC card company's host computer 10 is used by one or more bank banks to complete a transaction using the IC card.
  • ⁇ Communicate with the computer 30 and credit card company's host computer (not shown) via the communication network 9 .
  • the bank's host computer 30 includes data on IC card issuing agents and accounts of users (including the balance of deposits). ) Is stored in the file.
  • the trading terminal 50 can also communicate with the bank's host computer 30 ⁇ and the credit card company's host computer. It doesn't matter.
  • the communication networks 8 and 9 are generally realized by a public line, but may be a dedicated line.
  • the host computer 10 In the communication between, and other communication through the communication networks 8 and 9, the telegram excludes some data such as the reception address. It is no wonder that they are confused.
  • DES Data ncrp ptio n St a n d a r d.
  • Fig. 4 One of the whole system shown in Fig. 4 has one IC card.
  • the company's host computer 10,-one IC card issuing terminal device 40 and one trading terminal device GD Assume the simplest transaction processing system consisting of these three devices. Also, only the seven electronic currencies shown in Fig. 3a and Fig. 3g (each electronic currency is 1,000 yen) are considered.
  • Figure 5 illustrates the concept of the movement of electronic money based on the above simple assumptions. Here, only the minimum data required for the explanation of the actually transmitted data is shown.
  • the host computer 10 generates a pseudo-random number sequence according to the pseudo-random number function f (X, k).
  • the host computer evening 10 also sets the initial value and issues the electronic money requested by the IC card issuing terminal device 40.
  • a sequence having a digit length corresponding to the total amount is extracted from the generated pseudo-random sequence and transmitted to the IC card issuing terminal device 40.
  • O yen Assuming that an electronic currency of 7, O yen is required from the IC card issuing terminal device 40, one of the sequences shown in FIG.
  • the 42-digit number from the digit to the 62nd digit is transmitted from the host computer evening 10 to the IC card issuing terminal device 40.
  • the IC card issuing terminal device U stores the received sequence in the elementary file in the IC card 20 at the leading address thereof.
  • the numbers are stored in the order of the system.
  • the first six digits of the partial sequence (data block) are stored in the storage locations of the addresses adl to ad3.
  • the next six digits of the partial sequence (data block) dd3693 are stored in the storage locations of the addresses ad4 to ad6, respectively.
  • J are similarly stored in the elementary file. In this way, 7,000 yen worth of data blocks are stored in the IC card 2 ⁇ , which is issued from IC card issuing terminal 40. .
  • the IC card issuing terminal device 40 is an element file storing the IC card of the issued IC card 20 and a partial sequence.
  • the address ad1 to ad21 of the memory area are returned to the host computer 1G.
  • No. is transmitted to the host computer 10 when the IC card issuing terminal device U requests the IC card issuing, or Are already stored in the host computer 10 in advance.
  • the host computer 10 receives these received IC card numbers, addresses ad1 to ad21, and one seat number.
  • the pseudorandom number function f (X.k) (parameter, that is, including the value of X and the value of k) used for the generation of the pseudorandom number sequence,
  • the value and the digit length of the transmitted sequence are stored in the memory as IC card issuing information.
  • the IC card issuing agent hands the issued IC card to the user. Needless to say, the user presents the amount corresponding to the total amount of electronic money stored in the IC card to the C card issuing age unit. You can pay by money or check, or pay by credit card.
  • a user with an IC card purchases a product (equivalent to 2, DGG yen) at a store where a transaction terminal device 6G is installed.
  • the user pays for the goods purchased using the IC card.
  • the data block of the circle is read out from the IC card 20 by the transaction terminal device 60, and stored in the memory of the transaction terminal device 60. It will be remembered. The data block read out from the IC card 20 is erased from the element block. This is the movement of electronic money.
  • the data block of address ad1 to ad3 53 and the data block of address ad4 to ad6 dd36 9 (2) Data card opening (equivalent to ⁇ 2,000) IC card 20 force, end of bow That is, it has moved to the end device 60.
  • the memory of the transaction terminal device 60 has the memory of the IC card 20 in which these moved data blocks are stored.
  • ⁇ File addresses adl to ad3, ad4 to ad6, and IC card ⁇ are also stored in association with the moved data blocks. It is done.
  • the IC card ⁇ , data block and address stored in the memory of the transaction terminal device 60 are the host computer. Transmitted to the computer 10 (this transmission can also be included in the concept of electronic money transfer) and stored in the memory of the host computer 10. This is used as the IC card issue information.
  • the host computer 10 has a pseudo-random function ⁇ (X, k), an initial value, a digit length and a power corresponding to the IC card number. ⁇ Since it is stored, it is possible to regenerate the same pseudo-random number sequence as that stored in the IC card 20.
  • the host computer has 10 pseudo-random numbers transmitted from the IC card 20 at the same time as the host computer. Since the address is stored in the order of the address, it corresponds to the address transmitted from the trading terminal G0 from the regenerated pseudorandom sequence. You can extract the subsequences that you want. In this way, the extracted partial sequence is compared with the data block (partial sequence) transmitted from the trading terminal device 60. It is determined whether they match.
  • the data block (electronic money) is genuine, and if it does not match, it is forged. It is what has been done. In this way, the authenticity of electronic money is determined.
  • the data book (electronic money) returned to the host computer 10 is determined to be genuine, the data book is returned to the host computer 10.
  • Settlement of the amount equivalent to the block will be made.
  • the host computer 10 will issue the IC card.
  • the bank will communicate with the bank's powerful host computer 30 to close the transaction.
  • the settlement amount will be subtracted from the balance of the account at the IC card issuance agent, and the settlement amount will be transferred to the deposit account at the store. Issue of I C card
  • the host computer 10 will use the credit card. Communicates with the company's host computer and asks them to settle the payment by a question between the IC release agent and the store.
  • the data returned to the host computer 10 is settled if it is determined that the data has been forged. It is no excuse not to work hard. In this way, the security of the transaction is guaranteed.
  • the issued electronic money (data block) returns to the host computer 10 even after a considerable long period of time has passed. If not, it is possible to judge that the IC card storing the electronic money has been lost.
  • the electronic money moved from the IC card to the transaction terminal device is transferred from the transaction terminal device to the host terminal.
  • the settlement processing be performed at the time of returning to the computer 1 ⁇ or thereafter.
  • IC card issuance agent When the IC card is issued, pay the amount of electronic money stored on the IC card at the time of issuing the IC card.
  • the amount of money paid may be stored in a bank, etc. (especially for IC card issuance agents and individual platforms).
  • the IC card issuance agent is the credit amount of credit cards, etc. Only the IC card of the amount permitted within the scope of the above or within the range of the amount equivalent to the deposit shall be issued. It will be.
  • the data blocks (subsequences) representing electronic money are pseudorandom numbers, each of which is identifiable. If the data block was composed of a sequence of natural random numbers, the above-mentioned judgment of the authenticity of the electronic money would be difficult.
  • all the random number sequences stored in the issued IC card must be stored. I have to do it. This requires a large amount of memory on the host computer.
  • a data block representing electronic money is part of a pseudo-random number sequence, and a pseudo-random number sequence generates the same thing using a pseudo-random number function. You can be powerful. Therefore, it is only necessary to store the information specifying the pseudo-random function in the memory of the host computer 1G. The memory capacity can be very small.
  • Electronic money (data block, IC card ⁇ ⁇ , address) is returned from host terminal device 60 to host computer 10. Since this is compared with the IC card generation information, it is possible to judge the authenticity of the electronic money used, which is higher. It is possible to maintain the quality and reliability.
  • the pseudo-random number function, the initial value, and the number of digits of the IC card issuing information are kept in the memory of the host computer 10. Since it is kept tightly and never goes outside, it can be said that it has a high level of security.
  • the IC card issuing device 40 stores the encrypted electronic money in the IC card 20 without decrypting it. .
  • the electronic money debit from the IC card 20 to the transaction terminal device 60-the evening movement is also performed in an encrypted state.
  • the electronic money data is always kept in an encrypted state when it is transmitted on the pedestal 10, so this point is high. It is said that it is possible to maintain security.
  • a well-known cryptographic algorithm can be used to encrypt electronic money data, including data and blocks.
  • the power As you can see later, the power, as you can see, is only ⁇ 1,000 In addition, it is possible to issue and operate (migrate) multiple types of electronic money, such as 5, QD 0 yen and 10, 0, 0 QQ yen.
  • Fig. 6 shows the electrical configuration of the host computer and its peripheral devices installed at the IC card company.
  • the host convenience display 10 has a memory 11, an input / output device 12, and a communication device 13.
  • the memory 11 is composed of a magnetic disk, an optical disk, and the like, and is read and written by the driver.
  • the memory is provided with an IC card issuance data base.
  • the input / output device 12 includes a keyboard, a mouse, a display device, a printer, and the like.
  • the communication device 13 is for communicating with the IC card issuing terminal device 4G and the transaction terminal device 60.
  • the communication device 13 also exchanges with the bank's host computer 30 ⁇ credit and power company's host computer. I believe.
  • a host address (reception address) for communication is assigned to host convenience 10 in the evening.
  • the host computer 10 also holds the addresses of the terminal devices 40, 60, etc., as well as various codes required for other communications. o
  • the IC card issuance data base keeps a record of the issued IC card (Ic card issuance information described above). The record is used for reconciliation of the electronic money returned from the transaction terminal device 60.
  • the host and the computer 10 manage a plurality of IC card issuing terminal devices and a plurality of transaction terminal devices 60.
  • the host computer 10 stores one pseudo-random number sequence having a digit length that can be stored in a plurality of IC cards. Then, these pseudo-random number functions are created, and these pseudo-random number sequences are transmitted to the IC card issuing terminal device.
  • Multiple types of electronic money are generated (for example, 00 yen, 5, 0 (10 yen, 10, G yen)).
  • the IC card issuing data base uses one pseudo-random function for one IC card issuing terminal device.
  • the IC card issuance data file is created.
  • This IC card issuance data file contains the date and time when the pseudo-random number sequence was generated (the date and time when the IC card issuing terminal received a request).
  • the password is stored. 4 0
  • pseudo-random function f (X), which is used to generate the pseudo-random number sequence is included in the data issued by the IC card.
  • Initial value the digit length of the pseudo-random number sequence sent to the IC card issuing terminal, and the account opening account of the IC card issuing agent Number (or credit card number), unit amount code (or denomination code) and 1 data block The number of bytes, etc. are stored ⁇
  • the unit amount code is a code for distinguishing 1, G00 yen, 5, 0 GQ yen, and 10, G00 yen.
  • the data block that composes the electronic money of 1,0 G0 yen is composed of 3 bytes (six digits long subsequence).
  • the data blocks that make up the electronic currency of 5,000 yen and 10,000 yen consist of 3 bytes and 4 bytes, respectively.
  • the digit length of the pseudo-random number sequence transmitted from the host computer to the IC card issuing terminal device 40 and stored in the same terminal device 40 Is long enough to be stored in multiple IC cards, but in the order of IC card issuance, the order of the pseudo-random number sequence is high.
  • the computer 10 can use the issuing code and the EF address to know the position of the partial sequence in the pseudo-random number sequence. .
  • the initial position in the pseudo-random number sequence of the partial sequence used for issuing the IC card is issued. You may save it according to the code.
  • FIG. 7 shows the electrical configuration of the IC card issuing terminal device 40.
  • the IC card issuing terminal device is a control device, an IC card reader / writer 42, a memory card reader Z writer 43, and an input device. Including the device 44, the output device 45, and the communication device 46.
  • the control device 41 is composed of CPU, ROM, RAM, and the like.
  • the program that controls CPU and the necessary constants are stored in R0M.
  • RAM stores data used in the 1C card issuance processing.
  • An external memory (such as a magnetic disk drive) is also connected to the control device 40 as necessary.
  • the IC card reader Z writer 42 can be electrically connected to the IC card 20 and, when connected, the IC card 20 and various data. Send and receive data.
  • Memory card reader / license 43 is electrically connectable to memory card 49, and is connected to memory card 49 when connected. Access the memory card 49 and write data to the semiconductor memory in the memory card 49, or write the data to the semiconductor memory in the memory card 49. Read the data.
  • the memory card contains a semiconductor memory and a battery for knock-up. This semiconductor memory is made up of, for example, S-RAM, and backed up by a battery.
  • the semiconductor memory may be a flash memory.
  • the input device 44 includes a keyboard, a mouse, etc., and is used for inputting various kinds of data and commands.
  • the output device 45 is typically a display device. A sunset can be set up if necessary.
  • the communication device 46 is for communicating with the host computer 1Q.
  • a host address is provided in the IC card issuing terminal device 40.
  • a terminal address (terminal ⁇ ) for communication with the computer 10 (reception address) Has been assigned.
  • This terminal device 4 also holds various codes necessary for communication with the host computer 1G.
  • a pad for human input is connected to the IC card issuing terminal device 4G, if necessary, if necessary.
  • FIG. 8 shows the electrical configuration of the IC card 20.
  • IC card 20 there are a CPU 21, an input / output unit (IZ0) 22, a RAM 23, an R0M 24, and a security module. It includes a T-logic circuit 25 and an EEPROM 26, and a connection terminal 27 is provided on the surface thereof, and these are mutually connected by an internal bus. It is connected .
  • the connection terminal 27 is for electrically connecting the IC card and the reader / writer.
  • the CPU 21 writes and reads a data block representing electronic money in accordance with the program stored in the R MM24. Perform other processing. Data required for the processing by the CPU 21 is stored in the RAM 23.
  • the I / O unit (IZO) 22 is connected to a terminal device (IC card generator) through the IC card reader Z line 42 under the control of the CPU 21.
  • the terminal device 40 and the transaction terminal device 60) and various data are arranged in a half-duplex serial communication system.
  • the security block 25 encrypts and decrypts data exchanged between the IC card 20 and the terminal device.
  • E EPROM 26 stores important data such as a data block that represents electronic money.
  • the power and clock signals required for the operation of the electric circuit in the IC card 2D are passed through the connection terminals IC to the IC card reader / layer. 4 Two powers are provided.
  • the standard for this IC card is based on ISO (International Standardization).
  • ISO International Standardization
  • electrical signals and transmission protocols IS 0 7816-3 for the file and IS ⁇ 7816— ⁇ ! For the file configuration and command part. Such.
  • connection or communication between the Ic card and the Ic card reader z writer is not limited to the contact provided by the connection terminal. , By using high frequency waves with a coil, etc., by electrostatic capacity, or by optical communication. .
  • FIG. 9 shows the file structure in the EEPROM 26 of the IC card 20.
  • the file F1 is used for terminal authentication (IC card issuing terminal or transaction terminal), IC card authentication (au thenticate) and IC card. It stores a predetermined code for the authentication of the terminal device by the code and generates a random number for encrypting the code. Remember the random number that occurred.
  • the file F 2 is a mass file, and has an IC card number (not encrypted) and a power source described later.
  • the Ic card ⁇ and the host computer 1Q receive the address and the encryption from the terminal device. It stores multiple encryption keys for decrypting the decrypted instruction, and other data required for other final access.
  • the IC card number (unencrypted) is the IC card number. It is unique to the card, and is written into file F2 by the manufacturer (manufacturer) when the IC card is manufactured.
  • File F3 is a key file and contains the manufacturer key.
  • Roh manufacturer key is the manufacturer (was or is the person responsible of its) Ru use physicians in order to you ⁇ click cell vinegar force "IC card, also of you corresponds to 0 scan Wa over de
  • passwords are used in IC cards for processing. This refers to the target data.
  • a set of finale F4, F5 and F6 will be set up for each of the companies that issue IC cards that can use IC cards for IJ.
  • these files are represented by F4, F5, and F6.
  • Symbols A, B, etc. are added (F4A, F4B, etc.).
  • File F5 is a file belonging to the IC card issuing company, such as the name, address, telephone number (contact address), etc. of the IC card issuing company. Is stored. The terminal of the IC card issuing terminal that issued the IC card in this file F5
  • Files F7 and F8 store data about the IC cardholders (holders).
  • the file F7 stores the name, address, telephone number, and other personal data of the IC card user.
  • File F8 is a key file, and stores a user identification key corresponding to the PIN of the user.
  • Files F 9, F 10, F 11 and F 12 store data relating to electronic money.
  • the set of these files is the unit amount (denomination) of the issued electronic currency (including the unit amount of foreign currency) for each IC card issuing company. It is set up for each type.
  • the symbols F9, F10, F11, and F12, which represent these files, are followed by the IC card issuer A. , B, etc., and symbols 1, 2 etc. that represent the type of unit amount (for example, symbol 1 is 1, 0 yen, symbol 2 is 5. 0 QG circle) is added.
  • File F11 contains an IC card issuing company code or IC card issuing company key (the same as the contents of file F4). Is stored. This key file F11 works as an index for the files F9, F1G and F11 that are paired with it.
  • File F9 is a dedicate (or directory) file for communication. Header data is stored. This communication header de night will be described later.
  • the file F10 is a transparent element element, which represents the electronic currency described above. Stores the data block.
  • the files F5 and F7 described above and the file F12 shown below are also elementary files, but they are related to electronic money.
  • the elementary file address (EF address) refers to the address of this file F10.
  • File F12 is a cyclic file and is used to store fractional amounts less than the unit amount.
  • FIG. 10 shows the contents of file F9.
  • This file F9 stores important data included in the message in the communication between the terminal device and the host computer 10.
  • the file F9 there are a reception address (address of the host computer 10), a code representing an IC card issuing company, No. of the IC card issuing terminal that issued the IC card, IC card No. Data indicating electronic money The number of blocks (or the digit length of the pseudo-random number sequence), the file that stores the electronic money, the EF address of the F1Q, and the unit amount of the electronic money. The first and the like are stored.
  • IC card issuing account Deposit account account number or credit card ⁇ is unique from IC card issuing terminal NOL It is not always necessary to enter file F9 because it is determined properly, but it may be included. You can store the number of bytes in one data block by storing it in the unit price code. The sending and receiving date and time may be stored in this file F9.
  • the element file file (EF file) F10 is a FIF0 (Firstinnfiirstout) memory. As described above, the order of the digit positions of the pseudo-random number sequence generated by the host computer 1G and the address of the address of the EF file F1G are described. The data blocks are stored in the EF file F1G by matching the order. When electronic money is used, the data blocks are read out in the order in which they were entered in the EF file F10.
  • Fig. Ha shows an example of data representing the electronic money in the EF file F1Q
  • Fig. Lib shows the corresponding data in the file F9.
  • the EF address stored in is shown.
  • EF files have a capacity of about 3K bytes. One).
  • This IC card 20 is used in the transaction terminal device 60, and the electronic currency of 4, G (H yen) is transferred from the IC card 20 to the transaction terminal device 60.
  • G H yen
  • the data in the storage locations of the addresses adl to ad12 of the EF-fired F10 are set as shown in Fig. 12a.
  • the data blocks are erased, and the data in these storage locations becomes all 0.
  • the EF address data in file F 9 Is rewritten to adn to ad90, as shown in Figure 12b.
  • Deletion of the data block representing electronic money from the EF file F10 is the same as the data read from the storage space. This is done by taking the exclusive or with the data stored in the location and writing the result to that location (identical to The exclusive OR of the data is 0. ).
  • the data block In addition to the data block representing electronic money, the data block is already written in a memory location where the data intensity is 0. From the memory location that follows the memory location that is being used, it is performed on the face. If there is no longer any storage space to be added, return to the storage space at the beginning of the EF file F1G and return to the location around address II. It is added to the number.
  • a data block of 2,000 yen is stored in the memory locations of addresses ad91 to ad96, and the remaining one is stored.
  • the data block for, 00 G yen will be stored in addresses adl to ad3.
  • the EF address of file F9 is ad13 to ad90, ad91 to ad96, and adl to ad3 (ad13 to ad96 and adl to ad3 are also acceptable). .
  • the storage capacity of the EF file F10 is equivalent to the total amount of data and blocks that can be used using an IC card. All memory locations in the EF file F1G are stored in the data block so that there is more room to store them. It is not written.
  • the total amount of electronic money stored in the EF file F10 will be the same as the date of all storage locations in this file F10. It is easier to calculate the number of bytes of data other than 0 by checking the 0-power and the power every 1 byte. You can get out. For example, the number of bytes other than 0 is 87, the unit amount of electronic money is 1, 0 QD yen, and the electronic money has three bytes of data. In the lock, the total amount of electronic money stored in the EF file F10 is 29, G yen. And
  • the terminal device receives the data.
  • the device calculates and displays the total value of electronic money based on these data and evenings. If multiple unit amounts of electronic money have been accumulated, and if fractional amounts have been stored in file F12, such amounts shall be used. It is no wonder that sums of sums are calculated.
  • the pseudo-random function ⁇ (X j, kj) used to generate the data block shown in Fig. 1a, and Fig. 13a The forces that would be different from the pseudo-random function f ( 2 , k.) Used to generate the appended data block shown in EF addresses adl to ad90 (corresponding to Fig. 11a) and EF addresses ad91 to ad96 and adl to ad3 (data added to Fig. 13a)
  • the IC card issuance data will be stored in a file different from the tab block's EF address. Of course, in these IC card issuing data files, the IC cards stored corresponding to these EF addresses are stored. No. is the same.
  • the IC card issuing terminal used to write the added data block may be different (IC card issuing terminal).
  • the companies are the same). In such a case, the data force shown in Fig. 10 (excluding the reception address and IC card issuing company code) and iC card issuing It will be created for each terminal device and stored in the same file F9.
  • Fig. 15a Fig. 15a and Fig. 15e show a family for storing fractional amounts 7 shows the structure of the file F12 and how the data stored therein changes. If the unit amount of electronic money is 1, GOO yen, the fractional amount is less than 999 yen.
  • the file F12 there is a pair of a place for storing a fractional amount and a place for storing a borrowed unit amount of electronic money (data 'block). At least two such pairs have been set up.
  • the upper storage location pair in the drawing is referred to as a first storage location pair
  • the lower storage location pair is referred to as a second storage location pair.
  • the data of the blank storage location is all 0s.
  • IC cards are usually issued in electronic monetary unit amounts, and IC card power ⁇ if issued, the fraction of the first storage location pair.
  • the data in the money storage location is 0 yen (Fig. 15a).
  • the data of the second memory location pair is transferred to the first memory location pair (Fig. 15c).
  • the terminal device is located in the first storage area of the Firenore F12.
  • the fractional amount can be known by reading the data of the storage location of the fractional amount of the fraction.
  • the fractional amount of the second storage location pair will be recorded.
  • the data representing 15 yen was stored in the storage area, and the data of the first and second storage location pairs were stored in the memory card. That is, the signal is transmitted from the transaction terminal device ⁇ Q to the host combi- ter 1G (Fig. 15d). After the transaction is completed, the data from the second memory location pair is transferred to the first memory location pair ( Figure 15e).
  • the file F12 stores the fractional value and the data representing the fractional value in a cyclical manner.
  • File F1 2 can have more than two storage pairs, not just two.
  • the current fractional amount is added to the magnetic stripe. You may want to record it on the Ip.
  • files F12 and F7 should be cyclic and filed. This is to make it easier for IC card issuers and IC card users to respond to changes.
  • Fig. 16 shows the overall structure of the terminal 40 of the 1C card issuing terminal. It shows the flow of the processing.
  • This IC card issuance terminal 4i Electronic money storage mode, location finder mode, IC card issuance mode, authorization ⁇ It has a mode, a postscript mode and a cash mode.
  • the electronic money accumulation mode receives a pseudo-random number sequence (data block) generated by the host computer 10 and corresponding to a desired value, and Stored in the memory card 49
  • the Akazukai mode is the calculation and display of the total amount of electronic money and fractional money stored in the IC card 20 o
  • the IC card issuance mode uses a portion of the electronic money (equivalent to the user's desired amount) stored in the memory card 49 as an IC card.
  • a new IC card is created by writing to the EF file F10 in the memory card.
  • the IC card For processing the electronic currency EFT address stored in the IC card, such as notifying the host and computer evening 10 of the EFT address. It is.
  • the IC card can be used in the transaction terminal device 6 ⁇ after processing in this auto licensing mode. become .
  • the postscript mode is to accumulate new electronic money on the already issued IC card and increase its total amount.
  • Authorization processing is also required for the appending processing.
  • the cash mode converts the electronic money stored in the issued IC card into cash.
  • At least the functions of the IC card issuing terminal device include the electronic money storage mode, the Ic card issuing mode, and the autosolar. It is enough if it is powerful. Other modes can be set up as needed.
  • the mode is selected (step 1 ⁇ 1). Since the various modes described above are displayed on the display device included in the output device 45, the operator can use the input device 44 to obtain a desired mode. Enter the password.
  • step 102 If the electronic money storage mode is selected, the process proceeds to the process shown in Fig. 17 (step 102).
  • IC cards For other modes, there are two types of IC cards, such as IC cards that have already been issued according to the mode. (There is also a platform for the IC force.)
  • the force is inserted into the IC card reader / writer 42 (step 103).
  • the IC card reader 42 loads the inserted IC card to the lead light position and locks it at that position ( Step 1M).
  • the IC card 20 is connected to the IC card issuing terminal device 40 (the control device 4 ⁇ ) through the IC card reader / writer.
  • the IC card 20 is authenticated by the IC card issuing terminal device 4G, and the IC card is authenticated by the IC card 2Q.
  • the authentication of the issuing terminal device 40 is performed (step 105).
  • the IC card 20 and the IC card terminal device 40 share the random number generated by the C card 20, and a specific code is used by using the random number. After encryption, this encryption code is transmitted and received between the IC card 20 and the IC card terminal device 40 so that they are mutually reciprocal.
  • the IC card issuing terminal device 40 if it is determined that the IC card issuing terminal device 40 is a valid IC card as a medium of electronic money, the IC card is output. Association, IC card issuance, solution, addition or cash advance.
  • Fig. 2 shows the processing procedure in the electronic money storage mode.
  • the card issuing terminal device 40 is automatically tied to the host computer 10. Communication is possible if there is a response from the host computer. (Step 11) ⁇
  • the card issuing terminal 40 and the host computer 10 are too strong, and the host confirmation code and terminal confirmation that have been set in advance. Send and receive codes to and from each other and check the legitimacy of the other party (step 1 1 2) ⁇
  • the card issuing terminal device 40 is in charge of the force issuing agent, and the pass word of the person in charge is required. Is input from the input device 4 4.
  • the entered password is compared with the key stored in file F6 of IC force 20 and the password is entered. It is confirmed that the person who is responsible is the right person in charge.
  • the input password is transmitted to the host computer 10.
  • the host computer 10 uses the same card issuing agent (or the same card issuing agent) stored in the memory first.
  • the responsible person checks the right person's power and how much power by referring to the password corresponding to the terminal device (step 1 1 3) ) ⁇
  • the card issuing agent can be accessed from the IC card issuing terminal device 40 input device.
  • Account number or credit card ' ⁇ '
  • the unit amount of the electronic currency you want to issue and the desired total amount of the issuance.
  • the host computer 10 checks whether the received account number is the same as the one already set (or silver). Inquiry to the host computer 30 of the line).
  • the received unit amount and the desired total amount to be issued are transmitted to the card issuing terminal device, and are displayed on the display device of the terminal device 40. Confirming with the operator (responsible person) (Steps 11 to 14)
  • the host computer 10 uses the appropriate pseudo-random number function to determine the required digit length for each type of monetary unit. Since the pseudo-random number sequence is generated and transmitted to the card issuing terminal device 40, the terminal device 40 receives this (step 1 15). The host computer 1 (] also creates an IC card-issued data file for the generated and transmitted pseudo-random number sequence. You
  • FIG. 18 An example of a message transmitted to the card issuing terminal device 40 from the host computer 10 is shown in FIG. 18.
  • This message includes the date and time, the transmission number, the IC card issuing company code (the reception address of the host computer 10), ⁇ (reception address) of the IC card issuing terminal device, the account number of the IC card issuing agent (or credit card) ⁇ ), the number of data blocks included in this message, the number of bytes per block, the unit amount code, and the data Includes block sequence (pseudo-random number sequence). For units with multiple unit amounts, the number of data blocks, the number of bytes per block, and the unit amount are required for each type.
  • the code and data block system ij are included in the message. Except for the IC card issuing company code, which is at least the communication address, the data is transmitted in encrypted form.
  • the IC card issuing terminal device 40 stores the received data blocks in the data (number of data blocks, 1) attached to the received data blocks.
  • the data is stored in the memory card 49 together with the number of blocks in the block, the unit price code, etc. (step 116).
  • the data (unit amount, total amount, etc.) relating to the received electronic money is displayed on the display device (step 1 ⁇ ) ⁇
  • step 1 12 If the legitimacy is not confirmed between the host terminal devices in step 1 12, the responsibility is set by the responsible party password in step 1 U. If the authenticity of the person is not confirmed, the communication with the host * computer 10 is terminated and the electronic money is not transmitted. Absent .
  • Fig. 19 shows the operation of the illumination system in Japan.
  • the file F8 contains the ga (J user's PI ⁇ ). A user confirmation key has already been stored.
  • the pad for PI input (not shown in FIG. 7) connected to the terminal device 40, the input of PI for the user of iJ, and the input were input.
  • ⁇ Check if the I key and the confirmation key of file F 8 match or are in the planned relationship. 1 2 1).
  • the mass card file F2 of IC card 20 and the 1C card NOL are read out.
  • the terminal device 40 is given an IC card 20 to the IC card 20 (step 221).
  • the CPU 21 of the IC card 20 responds to this instruction, and as described above, all the bytes other than 0 in all the EF files F1G. Count the number. The counted number of bytes corresponds It is reported to the terminal device 40 together with the unit amount code. Further, the CPU 21 reads the fractional money amount in the file F12 and notifies the terminal device 40.
  • the terminal device 40 stores the electronic money and the electronic money stored in the IC card 20 based on the data provided from the IC card 20.
  • the total amount of the fractions is calculated and displayed on the display device (output device) 45 (steps 12 and 4).
  • the operation of the sightseeing mode is performed off-line.
  • the terminal equipment power and the monetary instruction given to the IC card are related to the movement of electronic money in the transaction terminal equipment described later. It is not encrypted, unlike the instruction that By virtue of this, it is possible to easily add the function of the illumination system in any terminal device.
  • the terminal device of one IC card issuing company will be able to carry out the location check of the IC card issued by another IC card issuing company. You can also do it.
  • the IC card After the validity of the user's legitimacy check using the PIN and the force, the platform, and the credit card display, the IC card is returned. It is. In the check of the validity of a user with a PIN, it is possible to allow the user to enter a predetermined number of PINs. Nor .
  • Figure 20 shows the operation in the IC card issue mode. ing
  • the IC card issuance mode is a power that accumulates electronic money in an IC card, and is generally a new (not yet used) IC card. Cards are used.
  • an IC card in which electronic money is already stored in the IC card but the data is not completely prepared is also used in the IC card. This is the target of processing in the issuance mode. This kind of
  • An example of an IC card is a gift card for gifts.
  • the Ic card for gifts contains some (generally less expensive) electronic money, but it is important for the ij user.
  • Related data etc. are not yet written o
  • Step 1G5 After the IC card / terminal mutual authentication (Step 1G5), the IC card No. is read and the IC card number is read (Step 1). 3 1) o
  • the type (denomination) of the unit amount of the electronic money to be stored in the IC card 20 is input from the input device 44 (step). Step 135). There is no limit to the amount of the unit money.
  • the files F9 and F11 are created in the IC card 20 (when the data is ready, the files F9 and F11 are written). (Step ⁇ 6).
  • the desired amount of money is input from the input device 44 to the terminal device 40 for each type of unit money input (step
  • the IC card issuance device 40 receives the data block representing the electronic currency stored in the memory card 49 at the beginning of the data block. (Except those that have already been erased) in order (host computer 1Q power, etc., in the order in which they were transmitted, ie, pseudo- The order of the positions in the pseudo-random number sequence), the digit length equivalent to the input amount of money, and the input unit amount of money are read out and written. (This instruction is also given to the IC card 20 together with the ability to be encrypted (preferably) (Step 8).
  • IC card 2 0 responds to this instruction Te, off ⁇ the data-blanking lock was given gills you the equivalent Lee Le F 1 0 Do not write them sequentially in the order of address.
  • the EF address of the file F10 into which the data block has been written is stored in the file F9. If there is any fractional amount data, that data is written to file F12.
  • the IC card issuing device 40 saves a record of writing electronic money in the IC card 20 in the memory (step 14Q). ).
  • This record includes the IC card No., the data on the moss (J user, the data on electronic money (unit amount, data pro And the number of fractional payments, etc.).
  • Step 1U the data block representing the electronic currency that has moved to the 1C force 20 is erased from the memory card 49.
  • the issued IC force is given to the user.
  • the amount of money equivalent to the electronic money stored on the IC card is changed by the user card to the IC card issuing agent, depending on the cash. Will be paid using a credit card. If the IC card issuing agent is on the bank's platform, the bank May deduct the amount equivalent to the electronic money on the IC card from the user's account.
  • the IC terminal cannot be used with the transaction terminal device 6G without going through the processing in the Solision mode described below. Therefore, the issuance of the IC card to the user, the power of the user, and the small collection of the fee are preferably performed after the processing of the authorization.
  • the electronic money storage mode and the IC card issuance mode are also separately provided on a platform where the IC card issuance terminal device 40 is owned by an individual. It may be installed, but it is permissible to switch directly from the electronic money storage mode card to the IC card issue mode. In this case, all the data blocks transmitted from the host computer 10 are written to one IC card. You can do it.
  • Steps 135, 137, 138 are skipped for such an IC card.
  • the total value of the electronic currency ⁇ already stored in the IC card is displayed, and a record of the IC card is left ( Steps 139, 140).
  • the electronic money in the memory card U is not erased (step 141).
  • electronic money can be stored in the IC card if required (step). 135, 137, 138, 1 ").
  • FIG. 21 shows the operation of the IC card in the authorization mode.
  • the target of the processing in the authorization mode is the IC card issued in the IC card issuing mode. However, it has not undergone the authorization process. For IC cards that have already been subjected to ortho-solation processing, the processing capacity for data confirmation is high.
  • step 151 If it is not an overnight confirmation (step 151), it is an authorization processing.
  • the files F4 to F6 in the 1C force 20 are stored in the IC card issuing company and the IC force issuing agent.
  • Step 152 the data on the ij user in the files F7 and F8 is less than 153), and The specified force is checked in the files F9 and F11 (step). O The data of file F9 is checked.
  • the IC card issuing company code, IC card issuing terminal ⁇ , IC card number, etc. are displayed. As a result, the data is checked (step 1555).
  • the card issuing terminal device U starts communicating with the host computer 10.
  • host Z terminal validity check, responsible person password check, and so on are not performed well. not .
  • the card issuing terminal device 40 reads data such as the IC card 20 file F9, unit price code, and EF address. Create a message as shown in Fig. 22 and send it to the host and computer 10 (steps 1556 and 1557).
  • This message includes the date and time, communication ⁇ , terminal ⁇ (reception address), IC card issuing company code (host Address), IC card number, manager password, IC card issue code (issue number), unit amount code, EF address Equal strength ⁇ Included. If there are multiple types of unit amounts, the issuing code, unit amount code, and EF address for each type are edited in the message. The data after the responsible passcode is encrypted and transmitted.
  • the host computer 10 encrypts the host computer evening code (reception address) and the IC card Na (encryption).
  • the key to the activation is the host computer 10), and these are referred to as the authorisation-scheduled data and the card issuance Send to terminal 40.
  • the force issuing terminal device 40 When the force issuing terminal device 40 receives this data (step 1558), it receives the data and outputs the data to the IC. Write into the master file F2 of card 20 (step 159). With the above, the power processing capacity of the IC card is completed (step 16G).
  • the operation in authorization mode has two meanings.
  • One of them is to transfer the EF address of the electronic currency accumulated in the IC card issued at the card issuing terminal device 40 to the IC card No. This is to notify host computer 10 together. As a result, the host computer receives the electronic currency of the C card via the transaction terminal device 6G and the host computer. When you return to 10, you can determine the authenticity of the electronic currency.
  • the second is that the host computer 10 has encrypted the host computer 10 in the master terminal 20 of the IC card 20.
  • the reception address of the computer and the IC card noisy are to be stored. These encrypted data cannot be decrypted by the IC card, the IC card issuing terminal device, the transaction terminal device, or the like.
  • the encrypted data is read by the transaction terminal, and the transaction terminal reads the encrypted data. It is inserted into a message from the device to the host computer. This message naturally includes the unencrypted host / combi-user reception address and IC card number.
  • the host computer When the host computer receives the transaction terminal equipment power and other electronic messages, the host computer automatically encrypts the encrypted reception address and IC card. Decrypted using the key held by the other party, and receive the decrypted data and the non-encrypted reception address and IC card in the message. No. and reference table. If there is a match, the data on the IC card transmitted from the Torig I terminal device is determined to be genuine (in the message, Included encrypted receive address and IC card No. are paired with other EF address data etc. There is no reason to be an elephant.)
  • the authorization processing of the IC card is performed in the order of issuing the 1C card.
  • the authorization processing of the IC card is performed in the order of issuing the 1C card.
  • the auto licensing process is performed every time an IC card is issued, Once a day, etc., you may go through all of the IC cards at once.
  • the data read from the IC card is read from the host computer. Sent to In the host computer 10, the received data and the data in the IC card issued data file are used as a light source. The result is returned to IC card issuing device 4 ⁇ .
  • Steps 121-124 a check of the validity of the user and a check of the Ic force are performed.
  • Steps 121-124 the same processing as the IC card issuance processing shown in FIG. 20 is basically performed, so that the IC card issuance equipment 4
  • the electronic money stored in the memory card 0 and the IC card 10 are additionally recorded in the IC card 10.
  • the processing of Steps 13 to 4 will not be performed. If the IC card issuing company is different, as described above, the finalization F4 to F6, F9 to F9 corresponding to the IC card issuing company is required. F1 2 will be created.
  • step 1 the legitimacy check of the user is performed first (step 1), and then the IC
  • step 162 the amount of electronic money in the card 10 is counted and displayed (step 162, Fig. 19, step 122- Same as 124).
  • the unit amount and the total amount that the user desires to monetize are input from the input device (steps 1 and 164). Of the data blocks of the unit amount entered, the number of blocks corresponding to the total amount entered is “Finore F10”. The EF address of the file F9 is removed and modified accordingly (step 1655). The amount of electronic money remaining in the IC card 10 and the total amount to be cashed are displayed (step 1666).
  • the data on the cashing is recorded in the memory of the card issuing terminal device 40 (step). 16 7), EF address, IC card ⁇ , etc. of electronic money that was erased along with the current Kin-Dani (if it was necessary, it was erased.
  • the host computer 10 will be notified of the block (even if the block is over night) (step # 8).
  • the host computer 1Q stores the notified electronic currency in a file in the same way as when it becomes available for trading. Please.
  • the cashed amount of cash is transferred to the IC card issuing agent, a user of the card, or the cash amount is used. Is transferred to the deposit account of the person.
  • FIG. 24 shows the electrical configuration of the transaction terminal device 60.
  • Transaction terminal device 6 (I is the control device, IC card reader / reader 62, memory card reader / reader 63, display device Interface for connecting to a printer 66 such as a keyboard 64, keyboard printer, etc., a communication device 67, and a POS terminal 70 such as an ECR. ⁇ Including circuit 68.
  • the control device ⁇ is composed of CPU, ROM, RAM, and the like.
  • R 0 M stores a program for controlling CPU.
  • RAM stores the data required to control the transaction operation.
  • the IC card reader / writer 62 can be electrically connected to the IC card 20 and, when connected, transfers data between the IC card 20 and the IC card 20. Send and receive.
  • the memory card reader Z line 63 can be electrically connected to the memory card 69, and the memory card 69 is connected to the memory card 69. At that time, it accesses the semiconductor memory contained in it and writes the data, or the same memory power, etc. Read out.
  • the memory card 69 is used to store electronic money transferred from the IC card 20 to the transaction terminal device 60.
  • the display device 6 is used to display the transaction amount and other information necessary for transaction processing, as will be seen later.
  • the keyboard 65 is for the operator of the transaction terminal device 6G to input various data and commands.
  • the printer creates a receipt journal on which the transaction results are printed.
  • the communication device 67 is for communicating with the host computer 1Q.
  • the terminal terminal 60 also has a terminal address (terminal ⁇ ) (reception address) for communication with the host computer 10. Harm ij has been hit.
  • the terminal device 60 also holds various kinds of codes necessary for communication with the host computer 1Q.
  • the transaction terminal device 60 is further provided with a user display device 71 and a PIN input pad ⁇ .
  • the display device 71 is for showing users the amount of money and the transaction amount of the IC card to the user. Whereas the display device 64 is arranged for the operator of the transaction terminal device 6G so that the display surface faces the operator. Then, the display device 71 is set so that its display surface faces the user. Pad 72 is intended to allow the user to enter P1N so that he or she is not known to others. .
  • the transaction terminal device 60 is connected to the P0S terminal device 70.
  • the code of the product purchased by the user and the price thereof are entered at the terminal 70, and the payment amount is calculated.
  • This payment is sent from the P0S terminal machine 70 to the transaction terminal device 60, and the user's IC card is sent to the transaction terminal device 6 ⁇ . 2 0 You will have to pay for it.
  • Fig. 25 shows the transaction amount at the transaction terminal device 60 due to the movement of electronic money from the IC card 20 to the transaction terminal device. It shows the flow of processing that will be paid.
  • the IC card 20 When the IC card 20 is inserted into the IC card reader / line 62 (step 171), the IC card 20 is carried in. , And it is positioned and locked at the lead Z-light position (step 1772).
  • Step ⁇ 3 the mutual authentication process between the IC card 20 and the terminal device 60 is performed.
  • the user inputs the PIN using the PIN input pad 72.
  • the entered PIN is compared with the PIN stored in the IC card 20 and the validity of the ij user is confirmed (step 1). .
  • the user will be required to re-enter the PI ⁇ . You are allowed to enter. The maximum number of times that the user can repeat the input of ⁇ 1 ⁇ is specified. If the validity of the user is not proved even after the maximum number of ⁇ 1 ⁇ inputs, the user uses the IC card 20. It is not possible to take Tori I. That is, the lock of the IC card 2Q is released and the 1C card is unlocked. C2 is carried out. The same applies when mutual authentication between IC cards is not possible.
  • the IC card ⁇ is read from the master file F 2 of the IC card 20 (step 1775), and then the IC card 20 is read. A cash counting instruction is given. As a result, in the same manner as the above-described processing (FIG. 19), the electronic money and the fractional money amount stored in the IC card 20 are obtained. Is calculated and displayed on display device 71 (and, if necessary, on display device 64) (step # 6) ⁇
  • FIG. 26 An example of this money display is shown in FIG. 26.
  • the types of electronic money, their number, fractional value, their total value, etc. are displayed. The same display will be made at the alpine illuminations shown in Fig. 19.
  • the calculation and display of the value of electronic money stored in the IC card 20 can be performed on any terminal device. It is done.
  • the transaction terminal device 60 receives the payment from the P0S terminal device and displays it on the display device 71 together with the amount of money. . At least the amount paid is also indicated on the display device 64 (steps 178, 179). An example of the display of the IC card balance and payment amount is shown in Fig. 27.
  • the payment using the IC card 2Q can be made. If payment using the IC card 20 is possible (step 180), the user can use the IC card 20. Decide whether to pay.
  • the operator shall be so informed. Then, the operator presses the confirmation key of the keyboard 65 (step 18 1). Alternatively, the user may use the PIN input pad 72 to perform the confirmation input.
  • the amount of money and the amount of payment are compared and stored in file F12.
  • the renewal of the fractional amount is performed (step 1822). It is also determined whether it is necessary to destroy the electronic money and, depending on the result of the determination, an explanation is given with reference to FIGS. 15a and 15e.
  • the data in file F12 is rewritten.
  • the new balance obtained by subtracting the payment amount from the current balance is calculated, and the display device 7 1 (and the display device 6 4 if necessary) (Step 183).
  • an instruction to transfer electronic money is given to the IC card 20 from the trading terminal device 60.
  • the IC card A data block representing the electronic money of the amount of payment (excluding the fractional amount) from the file F it) of the code 20 And the corresponding EF address is also read from the file F9, and the memory card (control It is stored in the memory in the device U (step 184).
  • the fractional amount data of the file F12 is also read out and stored in the memory card 69 in the same manner.
  • FIG. 28 shows the data structure in the memory card 69.
  • the memory card 69 contains the IC card issuer code read from the IC card 20 and the IC card Not (both are encrypted EF address, data block, fractional amount data, and others (including none, encrypted, and others). The number of clicks is stored.
  • Step 185 Data block of electronic money that has been moved to transaction terminal device 6 6 Placed in the F-inlet F 10 of the IC card 20, as described above. Thus, it is eliminated by taking an exclusive OR (Step 185).
  • the instruction relating to the transfer of electronic money given to the IC card 2D from the transaction terminal device 60 is encrypted.
  • the master file F2 of the IC card 20 stores a plurality of encryption keys and a strong memory for each IC card issuing company, one of which is stored. Is selected. Uses the selected encryption key to encrypt The IC card 20 decrypts the instruction using the encryption key given to the IC card 2D. In this way, important processing instructions are cryptographically protected and secure transactions are ensured.
  • the IC card 20 is ejected (step 186).
  • step 18 ⁇ if the amount paid is greater than the amount in the money, the display devices 11 and 64 indicate that the payment should be made on the 0S terminal. Is displayed (step 187). The ij user pays a part or all of the payment generally using cash at the 0S terminal.
  • Step 188 The new payment remaining after this payment is sent from the S terminal 70 to the trading terminal 60 and is displayed on the display device (shown here) ( Step 188). If the new payment is not zero (step 189), go back to step 178 and use the IC card 20 for this new payment. Payment is made. If the new payment amount is zero, the IC card 20 is ejected (steps 189, 186).
  • a check of the legitimacy of the IC card user may be made before step 178 or before step 181.
  • Such a transaction terminal device can also be provided with the above-mentioned additional writing mode (including the authorization method) and the current Kin-i-Dori mode. It is no wonder that we can do it.
  • the electronic money transferred from the IC card 20 to the transaction terminal device 60 is used for each transaction processing as shown in Fig. 28.
  • the data on electronic money stored in the memory card 69 is periodically (for example, once a day) regularly stored in the host card. Send a fee to computer 10 ⁇ L o
  • FIG. 29 shows a process for transmitting data relating to electronic money from the transaction terminal device 60 to the host computer 10.
  • the electronic money data is edited in the transmission area of the communication device 67 for each IC card issuing company (step 1992). It is automatically dialed into the host computer 10 of the IC card issuing company, and the host computer 10 and the transaction terminal are automatically dialed. Communication with the device 6G starts (step 1993). As described above, the host computer 10 and the terminal device 60 are confirmed to be mutually correct (step 1994).
  • the host computer 10 When the host computer 10 receives all the data correctly, it sends a confirmation message to that effect to the transaction terminal. Send to 6G. Upon receiving the confirmation message (step 196), the transaction terminal device 60 performs the processing in steps 192 to 196 described above for the next IC card issuing company. Is repeated (step 197).
  • FIG. 30 shows an example of a message transmitted from the host terminal device 60 to the host computer 10. This message includes the date and time, the transmission Nd, the terminal ⁇ (reception address), and
  • the encrypted IC card issuing company code and the encrypted IC card number are, as described above, the host computer. 10 is used to confirm that the message is genuine. Electronic currency data can only be encrypted and transmitted for communication.
  • the host computer 10 Upon receiving such electronic money data, the host computer 10 issues the electronic money data and an IC card. It is as described above to judge the authenticity of an electronic currency by comparing the data of the data file with the data.
  • the transaction terminal device 60 and the P0S terminal device 70 are separate bodies, and are connected via an interface.
  • the POS terminal 70 may have all the functions of the transaction terminal device 60.
  • FIGS. 31a and 3jb show the external appearance of a POS terminal 5GA having a function of a transaction terminal device.
  • the POS terminal 50A has a user display 52 (corresponding to the display device)) in addition to the operator evening display 51 (corresponding to the display device 64). It is set up.
  • the display 52 for the user is located on the opposite side of the display 51 for the evening display, and the contents of the display can be viewed only by the user. The data cannot be seen.
  • the P0S terminal 50A has a receipt issuing port 53, a keyboard 54, an IC card insertion port 55, a cash drawer 56, and the like.
  • Fig. 32 shows the appearance of the ATM
  • Fig. 33 shows its configuration.
  • This ATM 5 GB is used for transactions using IC cards that store electronic money, and is used for ordinary banking transactions (deposits, payments, transfers, balance reconciliation, bookkeeping, etc.). In addition to this, it has the functions of checking the amount of electronic money on the IC card, adding electronic money, and cashing electronic money.
  • IC card users have a deposit account at the bank.
  • the IC card stores the account number, password, banking code, branch code, etc. of the bank account of the user. For example, in the master store F2).
  • the ATM 50B has an operation plan display (CRT) 73 with a sunset panel on the display surface, a bill slot 74, a coin slot 75, and an IC card inserted.
  • CTR operation plan display
  • B A passbook insertion slot 77, a display 78 during operation, etc. are provided.
  • ATM 5DB is controlled by CPU 80 with RAM 82 and ROM.
  • R 0 M 81 stores a program for the transaction processing, and the transaction data and the like are stored in RAM #.
  • CTR indicator in operation plan ⁇
  • passbook processor 85 1C card to read the magnetic stripe of the passbook and print on the passbook 'Card processing unit 8 including the leader Z liner 8
  • Coin processing unit 87 for authenticity discrimination, counting, acceptance and release of coins, etc., authenticity discrimination of banknotes, etc.
  • Banknote processing unit 88 for counting, receiving, discharging, etc., transaction data on bills.
  • Bill processing unit 89 which prints and discharges evening bills, and deals with journals.
  • the journal processing unit 9 that prints the print data, the bank center (host computer 30) and the IC card issuer company Center communication processing section that communicates with the stop computer 10, CRMC (Clustr R emote Monitor) (Cntroller) and a person in charge of receiving signals from the evening switch panel on the display surface of the CRMC communication processing unit 92 and the display 73 in the operation plan. It is a panel processing section 93.
  • the magnetic card reader / writer is included in the card processing unit 86, the magnetic card can be used in addition to the IC card. You will be able to do it. Ordinary banking transactions use magnetic cards, and transactions using electronic money use IC cards. O Fig. 34 to Fig. 36 mainly show transaction processing for electronic money using IC cards.
  • IC card 2G force card ⁇ When inserted into the inlet 76, it is carried to the position of lead Z light and locked (step 201). , 202). Mutual authentication is performed between the IC card 20 and the ATM 50B (step 2 ( ⁇ )).
  • Step 2 The user enters the PIN code and password, and the check is performed (Step 2 (H). Select the type of transaction (step 205) .You may choose to perform the si check only on the platform where the given transaction was selected. No.
  • the Akasaka-kai displays electronic currency and fractional amounts stored on an IC card. .
  • the postscript is to write a new electronic currency on the IC card.
  • the user must pay the amount of electronic money to be written in cash. You can pay, or you can withdraw from your account.
  • step 211 After displaying the amount of money on the IC card (step 211), the user enters the desired unit amount and the total amount using the evening switch panel. Therefore, these input amounts are displayed on the display unit ⁇ (step 212).
  • the cash is discriminated as to whether the cash is true or false.
  • the amount is displayed on display 73 (steps 213 and 214).
  • the ATM 50B will communicate with the bank's host computer 30.
  • the host computer 30 checks whether or not the balance of the user's account is higher than the total amount to be added, and checks the account. Then subtract the total additional amount from the total (step 215).
  • FIG. 19 After the cash count, or when the host computer 30 informs the user of the bow IOK (step 216), FIG. 19, FIG. An additional write process similar to the one shown in the figure is performed (step 217). It is no wonder that electronic money is also stored in the memory of the ATM 50B in advance. After that, an authorization processing similar to that shown in Fig. 21 is performed (step 8).
  • step 2 After displaying the amount of money on the IC card 20 (step 2), the user can use the electronic money to be cashed. Enter the unit amount and the total amount (Step 222).
  • step 2 23 the electronic money corresponding to the amount of money input in the IC card 20 is erased (step 2 23), and the electronic money is erased.
  • the electronic money data block and the EF address are notified to the host computer 10 (step 2 23).
  • the user may receive cash equivalent to the erased electronic money or may transfer the amount to his / her account.
  • cash will be released from at least one of the bills 74 and coins 75 (step). 225, 226).
  • ATM 50B is a host computer if the user has requested an account transfer.
  • the host computer 30 transfers the monetized amount of money to the account of the healer (step 227).
  • Another use of the IC card is to write point data to the IC card. For example, a certain percentage of the transaction amount is written in a file on the IC card together with the store code. This point data is added to each bow I. If the added amount exceeds the unit amount of electronic money (for example, 1, G (H yen)), electronic money of the unit amount is added. The added amount will be the value of the point data.
  • the unit amount of electronic money for example, 1, G (H yen)

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne un système de traitement de transaction comportant un ordinateur central (10), un terminal (1) émettant une carte de circuit intégré, ainsi qu'un terminal transactionnel (60). Cet ordinateur central génère une séquence de nombres pseudo-aléatoires à l'aide d'une fonction de nombres pseudo-aléatoires, la divise en blocs de données représentant des unités respectives d'argent électronique et transfère les blocs de données au terminal d'émission de carte de circuit intégré. Ce dernier enregistre sur la carte de circuit intégré (20) les blocs de données qui lui sont transférés en provenance de l'ordinateur central, dans la séquence des positions de la séquence de nombres aléatoires. Le terminal transactionnel extrait de la carte de circuit intégré le bloc de données correspondant au montant de la transaction, mémorise ce bloc de données ainsi extrait en association avec les données représentant sa position, et efface ce bloc de données de la carte de circuit intégré.
PCT/JP1995/002509 1994-12-07 1995-12-07 Systeme et procede de traitement de transaction, ainsi que terminal et carte de circuit integre utilises pour ceux-ci WO1996018161A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU41234/96A AU4123496A (en) 1994-12-07 1995-12-07 Transaction processing system and method, and terminal equipment and ic card used for the transaction processing system and method
JP51748696A JP3328937B2 (ja) 1994-12-07 1995-12-07 取引処理システムおよび方法，ならびに取引処理システムおよび方法で用いられる端末装置

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP33111094 1994-12-07
JP6/331110 1994-12-07

Publications (1)

Publication Number Publication Date
WO1996018161A1 true WO1996018161A1 (fr) 1996-06-13

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PCT/JP1995/002509 WO1996018161A1 (fr) 1994-12-07 1995-12-07 Systeme et procede de traitement de transaction, ainsi que terminal et carte de circuit integre utilises pour ceux-ci

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Country Link
JP (1) JP3328937B2 (fr)
AU (1) AU4123496A (fr)
WO (1) WO1996018161A1 (fr)

Cited By (6)

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Publication number Priority date Publication date Assignee Title
WO2001022342A1 (fr) * 1999-09-22 2001-03-29 Keiichi Nakajima Systeme de reglement electronique, dispositif de reglement et terminal
JP2003108899A (ja) * 2001-09-28 2003-04-11 Sony Corp ポイント還元方法及び装置
US6857562B2 (en) 1997-11-14 2005-02-22 Hitachi, Ltd. Electronic money system of token and value mixed type
JP2005204134A (ja) * 2004-01-16 2005-07-28 Mitsubishi Electric Corp 耐タンパ暗号システム及びメモリ装置及び認証端末及び及びプログラム
JP2009193126A (ja) * 2008-02-12 2009-08-27 Sii Data Service Kk 決済システム、非接触ｉｃメディア及び決済装置
CN112532388A (zh) * 2020-12-04 2021-03-19 广州羊城通有限公司 空发卡空中发行数据的加密方法及装置

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JPH0296872A (ja) * 1988-10-03 1990-04-09 Fujitsu Ltd 取引の正当性確認方式
JPH0392966A (ja) * 1989-09-06 1991-04-18 Fujitsu Syst Soken:Kk 電子財布システム
JPH0520344A (ja) * 1991-07-10 1993-01-29 Nippon Telegr & Teleph Corp <Ntt> 電子現金方式
JPH0620117A (ja) * 1991-11-18 1994-01-28 Matsushita Electric Ind Co Ltd Ｉｃカード

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Publication number Priority date Publication date Assignee Title
JPH0296872A (ja) * 1988-10-03 1990-04-09 Fujitsu Ltd 取引の正当性確認方式
JPH0392966A (ja) * 1989-09-06 1991-04-18 Fujitsu Syst Soken:Kk 電子財布システム
JPH0520344A (ja) * 1991-07-10 1993-01-29 Nippon Telegr & Teleph Corp <Ntt> 電子現金方式
JPH0620117A (ja) * 1991-11-18 1994-01-28 Matsushita Electric Ind Co Ltd Ｉｃカード

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6857562B2 (en) 1997-11-14 2005-02-22 Hitachi, Ltd. Electronic money system of token and value mixed type
WO2001022342A1 (fr) * 1999-09-22 2001-03-29 Keiichi Nakajima Systeme de reglement electronique, dispositif de reglement et terminal
JP2003108899A (ja) * 2001-09-28 2003-04-11 Sony Corp ポイント還元方法及び装置
JP2005204134A (ja) * 2004-01-16 2005-07-28 Mitsubishi Electric Corp 耐タンパ暗号システム及びメモリ装置及び認証端末及び及びプログラム
JP2009193126A (ja) * 2008-02-12 2009-08-27 Sii Data Service Kk 決済システム、非接触ｉｃメディア及び決済装置
CN112532388A (zh) * 2020-12-04 2021-03-19 广州羊城通有限公司 空发卡空中发行数据的加密方法及装置
CN112532388B (zh) * 2020-12-04 2023-10-13 广州羊城通有限公司 空发卡空中发行数据的加密方法及装置

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JP3328937B2 (ja) 2002-09-30

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